| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB FLORIDA | 1117 THOMASVILLE ROAD TALLAHASSEE, FL 323086223 | BLUE CROSS BLUE SHIELD OF FLORIDA | $23K | — | $23K | 5.00% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS GUNTER VAUGHN INSURANCE AGEN | 1117 THOMASVILLE ROAD TALLAHASSEE, FL 323086223 | BLUE CROSS BLUE SHIELD OF FLORIDA | $13K | — | $13K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LMTD | 1117 THOMASVILLE ROAD TALLAHASSEE, FL 32303 | UNION SECURITY INSURANCE COMPANY | $12K | — | $12K | 9.21% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS GUNTER VAUGHN INSURANCE AGEN | PO BOX 12099 TALLAHASSEE, FL 32317 | UNION SECURITY INSURANCE COMPANY | $6K | — | $6K | 4.40% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 106 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 100 | $255K |
| Dental | UNION SECURITY INSURANCE COMPANY | 139 | $127K |
| Vision | UNION SECURITY INSURANCE COMPANY | 139 | $127K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 139 | $127K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 139 | $127K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 139 | $127K |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 139 | $582K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.